Franchise Loan

Exclusive loan offerings for members of the Association of the Filipino Franchisers Inc. (AFFI) and their franchisees.


Franchising has never been this easy! As the official bank partner of the Association of the Filipino Franchisers Inc. (AFFI), we are offering discounted loan rates and waived fees to members and their franchisees. Apply for a franchise loan today!

Members of AFFI include:

  • Binalot
  • Crystal Clear
  • Fruitas
  • Lay Bare
  • Master Siomai
  • Ministop
  • Potato Corner
  • Reyes Barbecue
  • Seaoil
  • The Generics Pharmacy
  • And many more! Click here to see the full list.

Is your franchiser not an AFFI member? You may want a Business Express Loan or a Business Mortgage Loan instead.

At a Glance

Loan Term Discounted Monthly Add-on Interest
12 months 1.20%
18 months 1.30%
24 months 1.60%
36 months 1.65%
Minimum Loan Amount P500,000
Maximum Loan Amount P5,000,000

Why Get a Franchise Loan?

No collateral required for loans up to P5,000,000

Avoid the hassle with minimal application requirements

Enjoy seamless processing & approval in as fast as 5 days!

Loan proceeds are auto-credited upon disbursement of funds.

Fees and Charges

Processing fee PHP 2,000*
Notarial fee for Sole Proprietorships PHP 400
Notarial fee for Partnerships and Corporations PHP 800
DST Approved Loan Amount / 200 * 1.50
Penalty fee 3% of past-due amount for the month

*The P2,000 processing fee will be waived if an average daily balance of P100,000 is maintained for 3 months (from opening date).

Eligibility Requirements

  • The businesses to which the loan will be applied for must meet the following criteria:
    • Duly registered to operate as a business in the Philippines;
    • Must have been operating for at least 3 years, and profitable for the latest 1 year.
    • Must have no outstanding debt that exceeds 40% the company’s monthly income
  • Each franchise loan must be tied to the business’ primary owner; for partnerships/corporations, this means:
    • Owner with simple majority (individual with the single largest stake in the company) must provide details and sign off on the loan application form, and ultimately be the signatory in the surety agreement prior to loan booking
    • If simple majority is shared across multiple owners, only (1) of them is required to sign off on the loan
  • Identified business owners will then be required to have:
    • An existing account with Security Bank (at least 6 months old with PHP 50K ADB) OR Existing credit card (any bank; credit card number/s must be provided in application)
    • Permanent residency in the Philippines;
    • At least 21 years of age at the time of application and not more than 65 years of age upon maturity of the loan

Documentary Requirements


  • Signed and Completed Application Form
  • Copy of 2 valid IDs with photo from primary applicant / owner / authorized signatory
  • Latest ITR with BIR stamp
  • Latest (1) year Audited Financial Statements
  • Valid DTI Registration docs
  • Latest 3 months bank statement
  • List of customers/suppliers and details about their dealings
  • Valid Business or Mayor’s Permit
  • Franchise certificate


  • Signed and Completed Application Form
  • Copy of 2 valid IDs with photo from primary applicant / owner / authorized signatory
  • Latest ITR with BIR stamp
  • Latest (1) year Audited Financial Statements
  • Valid DTI/SEC Registration documents and GIS
  • Latest 3 months bank statement
  • List of customers/suppliers and details about their dealings (The following documents will be required by the bank prior to loan booking:
  • Partnership / Board Resolution (authorizing signatory for accounts and loan, credit investigation on both the business and owners)
  • Continuing Suretyship Agreement (for corporations) Client will be given templates at point of application to prepare for the loan decision )
  • Valid Business or Mayor’s Permit
  • Franchise certificate

Ready to start your franchise loan application?

Frequently Asked Questions

How can I apply?

You can apply through:

How will I be notified of approval?

You will receive an SMS upon loan approval and a SPOC will reach out to you to set a booking appointment in the branch.

How will I receive loan proceeds?

Upon booking, loan proceeds will be credited directly to your identified account. If you do not have a Security Bank CA/SA account at point of booking, you will have to open an account with the branch.

What are the modes of payment?

All Business Express Loans will be set to have an Auto-Debit Arrangement (ADA) with their identified account that will collect amortization payments monthly.

Can the loan be pre-terminated?

Yes, the loan can be pre–terminated the loan but there will be a processing fee equivalent to 3% of remaining principal balance plus unpaid interest for the month that shall be applied to your account.

Can I re-avail of a loan?

Loans can be re-availed as long as half of the balance of the original loan term has been paid, and there has been no record of missed payments. Example: Original loan term is for 12 months and amortizations have been paid for 6 months already, client can apply for re-availment. Upon booking, the previous loan balance will be deducted from the proceeds of the new loan.

Can I avail of two business express loans at the same time?

Borrower cannot avail two separate loans at the same time. At least half of the term for the existing loan must be paid off first before they can apply for another loan.

Terms and Conditions
  1. The promo will be offered to AFFI members, existing franchisees, and potential franchisees of AFFI members.
  2. If a qualified client avails of a Business Express Loan, the processing fee of P2,000 will be waived if:
    • Client opens a BusinessPlus account
    • Client has opening balance of P100,000 on top of the loan proceeds amount
    • ADB of P100,000 is maintained for three (3) months from account opening date
    • Client has at least one (1) Digibanker transaction within one (1) month from account opening date
  3. The P2,000 processing fee shall be charged to the client initially, but will be credited back within 2 weeks from booking date of the Business Express Loan. The credit can be withdrawn by the client fifteen (15) days after the 3-month monitoring period. This credit shall be charged again to the client if:
    • Client closes his BusinessPlus account within three (3) months from account opening.
    • ADB falls below P100,000 within the first three (3) months from account opening date.
    • Client has not made at least one (1) Digibanker transaction within one (1) month from account opening date.

Hold out date: 15th BD of the 4th month from account opening date

Full List of Merchants/Partners
1st Colonial (Flavorful Bicol) Above Sea Level Abrea Consulting Group Acquasuisse Parfums Adobo Connection
Afters Espresso Agape Pastries & Tartines Ahead Tutorial and Review Center Allegra’s Kitchen Amare La Cucina
Angel’s Pizza Aquabest Ate Rica’s Bacsilog Bakers Maison Bayad Center (Meralco)
Beauty Secrets Salon BHR Motorcycle Parts & Accessories Big Apple Express Spa Big Smile Bakeries
Binalot Bioessence Blackpearl Blue Water Day Spa Botoy’s Litson Manok, BBQ and Liempo
Boy Kanin Bubbatealicios Carbase Card Leasing & Finance Corp. Casha
Casli Industries & Services Chicharific Chicken Deli Chicken Shack USA Ciano
Collave, Inc. Cookie Sticks Cosmotech Crave Chicharon Crystal Clear
Cut N Fix Cyclehouse Don’s Original Spanish Churroz Dr. Kwek EC Gas
Eggperrt El Bonito’s Pizza Entrepreneur Philippines Excellent People Multi Purpose Cooprative (EPMPC) Expressions
Fair N’ Square Famous Belgian Waffles Far East Medical Equipment Farinas Empanada Farmacia ni Dok
Ferino’s Bibingka Figaro Coffee Company Fiorgelato Ice Cream Fresh Salon Fruitas
Food Plus Galileo Enrichment Learning Center The Generics Pharmacy Generika Drugstore Global Pinoy Remittance & Service, Inc. (GPRS)
Globe MyBusiness GMB Franchise Developers Goodah Goto King Gracos Shawarma Stations
H20 Mineralplus Inc. Happy Haus Donuts Hazelberry Café HD Megatrucks and Equipment Inc. Healthy Family
I-Aicon iManila Imergex Ink-all-you-can Jayj’s Inasal
JC Worldwide Franchise Inc. JMCL Media and Marketing Services Julie’s Bakeshop Kerrimo Kitchen Nails
Laundry Best Lay Bare Waxing Salon Lechon City Lickticks Barquillos Ice Cream Lightforce Corporation
Little Lambs Kiddie Spa Salon Living Water Lots’ A Pizza Lugaw Republic Lydia’s Lechon
Manang’s Chicken Manila East Travel & Tours Masuki Master Siomai Masflex / Maxim
Maynila Ice Cream Megasign The Mercato Centrale Group Metropole Laundry Mini Stop
Minute Burger Mobile Optima Mobkard Mother’s Best Mr. Laba Luvah
Mr. Softy Ice Cream Murang Generics Pharmacy Nail Cocktails Hand and Foot Spa Nail It! NASA Water Corp.
Palm Asia Milling Inc. Pao Express Paras Alter Station PCMC Events Peanut World
Pellegrino’s Pinoy Pao Express Inc. Pizza Pedrico’s Plato Wraps Positive Living
Potato Corner Potato Joe Post 10 Worldwide Inc. PR Gaz Quick Relief Pharmacy
Raymundo’s Awards Manufacturing Corp. RBX Rice in a Box Reinhart Food Specialists / Bubble Frost / Doc Choi Foods Reyes Barbecue Reyes Haircutters
Samuelito Tacos, Quesadillas and Burritos Santinos Seaoil Serenitea Shanghai Siomai
Shawarma House Snack Attack Status Hair Salon St. Francis Generic Drug Sud’s Laundry
Sweet Corner Tea Rock Cafe Tin Hao Dimsum Tokyo Tempura Triomix Donburi
Trueblends Tea and Coffee T&J Salon Professional Uratex Urban Deli VCargo Worldwide
Vitalstrats Creative Solutions Wargods Pro Gaming Arena We Serve Generic Medicines Pharmacy Wrap Star Yes Yo!
YSA Skin Care Corporation Ystilo Salon YuXin Zen Zest